g***@googlemail.com
2009-05-17 00:08:17 UTC
We are evermore encouraged to conduct our banking by telephone, but my
recent experiences suggest we should do so with extreme caution.
I recently changed my main bank account from one bank to another,
being told my direct debits would be transferred automatically. This
is indeed what happened, with the exception of my monthly credit card
payment, a charity card held with another major uk bank.
I telephoned the card providing bank after noticing my March payment
had not been taken from either my old or new bank accounts and was
informed by the operator that it had been taken from the old account.
When it still failed to show up after a few days I contected the old
bank only to be informed that it had NOT been paid.
I telephoned the card provider again and was advised to make a manual
payment (which I did) and was informed that I would not be charged for
the late payment. When my April statement arrived it showed interest
HAD been charged.
To avoid additional stress I again telephoned the card provider to
find out whether the April payment would be collected by direct debit.
I was informed that the direct debit instruction had been received but
would not be effective until May and was advised to make a manual
payment. This I did, only to discover the direct debit WAS taken from
my new bank. By pure chance I was not placed into arrears by virtue of
my wages having just been paid into the new bank, however for the past
month my family and I have been reduced to relying on savings to meet
our living expenses.
I now feel unable to trust any information provided by the bank
concerned's telephone service.
Having written 3 letters to the card providing bank since April 4th I
am still waiting a response.
recent experiences suggest we should do so with extreme caution.
I recently changed my main bank account from one bank to another,
being told my direct debits would be transferred automatically. This
is indeed what happened, with the exception of my monthly credit card
payment, a charity card held with another major uk bank.
I telephoned the card providing bank after noticing my March payment
had not been taken from either my old or new bank accounts and was
informed by the operator that it had been taken from the old account.
When it still failed to show up after a few days I contected the old
bank only to be informed that it had NOT been paid.
I telephoned the card provider again and was advised to make a manual
payment (which I did) and was informed that I would not be charged for
the late payment. When my April statement arrived it showed interest
HAD been charged.
To avoid additional stress I again telephoned the card provider to
find out whether the April payment would be collected by direct debit.
I was informed that the direct debit instruction had been received but
would not be effective until May and was advised to make a manual
payment. This I did, only to discover the direct debit WAS taken from
my new bank. By pure chance I was not placed into arrears by virtue of
my wages having just been paid into the new bank, however for the past
month my family and I have been reduced to relying on savings to meet
our living expenses.
I now feel unable to trust any information provided by the bank
concerned's telephone service.
Having written 3 letters to the card providing bank since April 4th I
am still waiting a response.